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The Stover Group
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Plan A — Stipulated PUA

Plan A
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Plan B — Max Funded PUA

Plan B
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🎓 Presentation Training Guide

Mode
📖 Full Script — Q&A Call Opening
"Hey [Name], really glad you could join today. Before I show you anything I want to be upfront with you. What I am about to show you is a sample illustration built for someone close to your age and situation. It is not your exact numbers. Those come on our next call once I know a little more about you. But what it will do is show you exactly how this works so you can see whether it makes sense for your family. Sound good?"

[Load the sample. Hit Present. Start on The Dream tab.]

"Before we look at any numbers I want to ask you a few questions. Just think about them. You do not have to answer out loud."

[Read the Dream questions slowly. Pause after each one. Let them sit in the silence.]
⚡ Talking Points
  • Always tell them upfront it is a sample. It builds trust and removes pressure.
  • Pick the sample closest to their age. Age 30, 42, 54, or 63.
  • Load the sample before the call so there is zero wait time when you go live.
  • The Dream tab is your opener. Read those questions slowly and let each one land.
  • Your only job on this call is to get them curious. You are not here to close them.
  • End by asking what resonated most with them. Then book the personalized call.
✕ What NOT to Say
  • Do not say "this is just a demo." It sounds like you are underselling what you have.
  • Do not apologize for it not being their exact numbers. Frame it as intentional.
  • Do not rush through The Dream tab to get to the charts. The setup is everything.
  • Do not try to close on a Q&A call. Your only goal is the next call.
✓ Confidence Check
  • Can you explain in one sentence why you are showing a sample instead of their real numbers?
  • What is the one goal of a Q&A call? (Answer: book the personalized call)
  • Which sample would you load for a 38-year-old prospect?
📖 Full Script
"Before we look at any numbers I want to share something with you. Most people spend their entire working life doing one thing with their money. They hand it to someone else. A bank. A 401K. Wall Street. And they hope it works out. Nobody ever taught us there was another way."

"So I want to ask you a few questions. Just sit with them."

[Read each question on screen. Pause 3 to 4 seconds after each one.]

"Here is the thing. For years banks have been using your deposits to grow their own wealth. What we are going to show you today is a system that flips that. You become the bank. Your money never stops working for you even when you use it. You control it. You use it. You grow it. All at the same time."

[Click Show Me the Numbers]
⚡ Talking Points
  • Read the questions slowly. Silence is your most powerful tool on this tab.
  • Do not explain anything yet. Just plant the questions and let them think.
  • The phrase "you become the bank" is your pivot from emotion to proof. Do not skip it.
  • Watch the prospect's body language. Nods and leaning in means they are ready to see the numbers.
  • If they ask a question here say: "Great question. The numbers are about to show you exactly that."
✕ What NOT to Say
  • Do not say "life insurance" on this tab. You have not earned that conversation yet.
  • Do not skip this tab to get to the vault. The emotional setup is what makes the numbers land.
  • Do not answer their questions yet. Redirect everything to "the numbers will show you."
  • Do not rush. If this tab takes 3 minutes that is exactly right.
✓ Confidence Check
  • Why do we show The Dream before any numbers? What would happen if you skipped it?
  • What do you say if the prospect asks a question during The Dream tab?
  • What is the one phrase that pivots from emotion to proof?
📖 Full Script
"This is what we call The Vault. Every dollar you put in builds up right here. This is your personal cash value. Think of it like a savings account that you can never lose money in. It grows every single year on a guaranteed schedule. And then dividends from the insurance company stack on top of that."

"Now look at this gold line. That is what happens when you put in the maximum. See how it separates over time? That is the power of compound growth. It gets faster the longer it runs."

"By year 30 right here you stop paying completely. And the vault keeps growing. On its own. No more checks. Ever."

"The blue line is the conservative plan. The gold line is fully funded. Both grow. Both protect. The question is just how much fuel you want to put in."
⚡ Talking Points
  • Point to the chart as you talk. Physical gestures keep attention and make it feel real.
  • Emphasize the guaranteed floor. That is what separates this from anything in the market.
  • The year 30 stop point is a major moment. Slow down and let it land.
  • The vault multiplier stat card is powerful. Call it out by name and explain it.
  • Connect back to The Dream: "Remember when I asked about your money working for you? This is what that looks like."
✕ What NOT to Say
  • Do not say "investment." This is not an investment product and that word creates confusion.
  • Do not directly compare it to a savings account. It grows in a fundamentally different way.
  • Do not get lost in the numbers. Keep it visual and keep it simple.
  • Do not compare to the stock market. You do not need to compete with it.
✓ Confidence Check
  • Can you explain in plain English why the cash value never goes down?
  • What happens at year 30 and why is that moment significant?
  • If someone asks how this compares to their 401K what do you say?
📖 Full Script
"This is The Shield. From the very first day this policy is in place before you have saved a single dollar your family is protected."

"See this number right here. That is what your family receives income tax free if something happens to you tonight. Not next year after the policy matures. Tonight."

"And as your vault grows so does the death benefit. The longer you hold this the more your family stands to receive."

"Most people think of this kind of policy as something that only pays out when you are gone. This one does a lot more than that and we are going to see that in a moment. But right now I want you to feel the weight of this number. Your family is covered from day one."
⚡ Talking Points
  • Lead with day-one protection. It is the most emotionally powerful stat on this entire tab.
  • "Before you have saved a single dollar" is the key phrase. Use it every time.
  • Income tax free is a big deal. Make sure they hear it and understand it.
  • Keep this tab brief. It is an emotional anchor not a deep dive.
  • Transition out by saying: "And this is just the protection side. The vault is completely separate from this."
✕ What NOT to Say
  • Do not spend too long here. It can feel heavy if you dwell on it.
  • Do not say "when you die." Always say "if something happens to you."
  • Do not call it "life insurance coverage." Call it "family protection."
✓ Confidence Check
  • What is the single most important thing to communicate on this tab?
  • Why does the death benefit grow over time alongside the vault?
📖 Full Script
"Now this is one of my favorite charts to show people. This is the break-even."

"See this dashed line? That is every dollar you have ever paid into the policy. And this solid line is your vault, your cash value. The moment these two lines cross right here you have gotten every single dollar back. And everything after that point is pure growth."

"For this plan that happens around year [X]. From that point forward you are in the positive. Your money has made you whole and then some. And it keeps going from there."

"Think about that for a second. At what point does your 401K guarantee you will get every dollar back? It does not. This does."
⚡ Talking Points
  • Point physically at the crossover moment on the chart. Make it visual.
  • The break-even year is on the stat card. Call it out by name so it feels concrete.
  • The contrast with the 401K is powerful but say it once. Repeating it sounds defensive.
  • The net gain stat card shows the upside at year 30. Mention it before you move on.
  • This tab answers the "do I actually make money on this?" question before they ask it.
✕ What NOT to Say
  • Do not explain the math behind how break-even is calculated. Keep it simple and visual.
  • Do not bash the 401K. One clean honest contrast is more than enough.
  • Do not use the word "guaranteed" about the break-even year. It is based on illustrated dividends.
✓ Confidence Check
  • What does the break-even line actually represent in plain English?
  • What is the one contrast you make with other products on this tab?
📖 Full Script
"This is The Legacy tab. And this is the Rockefeller moment."

"At year 30 you write your last check. Done. No more premiums ever. And then look what happens. The policy just keeps growing. Quietly. On its own. Powered purely by dividends."

"Five years after your last payment with no new money going in the vault has grown to [amount]. Ten years after that it is [amount]. By age 90 your family stands to receive [amount] income tax free."

"Now I want to point something out before you notice it on your own. You might see the death benefit is slightly lower right after year 30 than it was at year 30. That is because this policy includes a 30-year term rider that falls off when you stop paying. That is completely normal and expected. The whole life base keeps growing and will surpass that number over time. And the vault, your cash value, is completely unaffected."

"Your family does not just inherit money. They inherit this system."
⚡ Talking Points
  • Slow down on this tab. It is the emotional peak of the entire presentation.
  • Call out each legacy card number by age. Make it feel personal to their family.
  • Proactively explain the DB dip before they ask. It shows you know your product cold.
  • "They inherit the system" is your closing line for this tab. Say it and then pause.
  • The info box on screen already explains the term rider. Point to it if they seem concerned.
✕ What NOT to Say
  • Do not skip past the death benefit dip. If they notice it and you have not addressed it trust breaks.
  • Do not say "unfortunately the death benefit goes down." Frame it correctly from the start.
  • Do not rush to Next Steps. Let this tab breathe and sit with them for a moment.
✓ Confidence Check
  • Why does the death benefit dip slightly after year 30 and how do you explain it to someone?
  • What is the Rockefeller moment in your own words?
  • What happens to the cash value after you stop paying premiums?
📖 Full Script
"So here is exactly what happens next. There are five steps and none of them are complicated."

"Step one is us right now or on our next call. We answer your questions and make sure you are clear on everything before we move forward."

"Step two is a short health questionnaire. This is how the insurance company determines your rate class. Most healthy people qualify for standard or better."

"Step three is where we run your personalized illustration. Not a sample like today. Your actual numbers based on your age and your contribution level."

"Step four is where you review the offer and decide. There is no obligation until you accept. You can walk away at any point before that."

"Step five is where the Rockefeller strategy becomes complete. We connect you with an estate planning attorney who will set up the trust structure so your wealth transfers exactly the way you want it to."

"Any questions before we keep going?"
⚡ Talking Points
  • Walk through each step at a steady pace. Do not rush toward the close.
  • "No obligation until you accept" is the most important line on this tab. Say it clearly.
  • Step 5 is the trust conversation. Mention Attorney Romondous Stover by name.
  • Always ask for questions at the end of this tab before you move on.
  • If they seem ready to move forward this is your natural transition to booking the next call.
✕ What NOT to Say
  • Do not say "all you have to do is sign." That oversimplifies the underwriting process.
  • Do not promise a specific rate class. "Most qualify for standard or better" is the right language.
  • Do not skip Step 5. The trust conversation is what makes this the Rockefeller strategy.
✓ Confidence Check
  • What is Step 2 and why does it matter?
  • At what exact point in the process does the prospect have an actual obligation?
  • Why is Step 5 what makes this the Rockefeller strategy?
📖 Full Script
"Before I let you go I want to share one more thing. Because this is how the people in this community build their vaults the fastest."

"There are two ways to be part of this. The first one does not require a license. You simply share what you learned today. When someone you know moves forward you earn a referral check. And here is what makes that powerful. That check goes straight into overfunding your PUA rider. More fuel in the vault."

"The second path is for people who want to build a business around this. You get licensed, you become a Wealth Strategist, and you earn recurring commissions. And that income funds your own vault too."

"The people who build the biggest vaults in this community are the ones who also spread the word. Your income from this is not separate from your policy. It is the fuel for it."

"Which of those two paths feels more like you right now?"
⚡ Talking Points
  • Present both paths equally. Let them self-select. Do not push one over the other.
  • Connect the income back to the vault every time. It is not just extra money. It is fuel.
  • End with the question "which feels more like you?" It opens the conversation naturally.
  • This tab is about planting a seed. You are not recruiting anyone on the spot today.
  • If they ask about the licensed path take notes and schedule a separate follow up conversation.
✕ What NOT to Say
  • Do not make this feel like a recruitment pitch. It will kill the energy of everything that came before it.
  • Do not spend more than 3 minutes here. The policy decision is the main event.
  • Do not promise income amounts. Explain the structure and let them ask questions.
✓ Confidence Check
  • What is the difference between Path 1 and Path 2 in one sentence each?
  • How does the community income connect directly to the vault?
  • What question do you end this tab with and why does it matter?
📖 Common Objections and How to Handle Them
"I need to think about it."
"Absolutely. This is a big decision and I would never want you to rush. Can I ask you one thing though? Is there a specific part you want to think through? Because if there is a question I have not answered well I want to make sure I address that right now before we hang up."

"I already have life insurance."
"That is great and this is actually very different from what you likely have. Most life insurance is term coverage. It expires and it builds nothing. This is a whole life policy that grows a vault of cash you can access while you are alive. Does your current policy do that?"

"I can not afford it right now."
"I completely understand that. Let me ask you something though. What are you currently paying in interest to banks or credit cards every month? Because for a lot of people the cost of not having this system is actually higher than the cost of being in it."

"I need to talk to my spouse."
"Of course. This is a family decision and it should be made together. Could we schedule a call with both of you? I want to make sure they hear the full picture directly from me and not a secondhand version of it."

"What is the catch?"
"Honestly the catch is time. The earlier you start the more the compound growth works in your favor. There is no fine print, no market risk, no lock up period. The money is yours to access whenever you need it. The only catch is waiting."

"This sounds too good to be true."
"I felt exactly the same way the first time I heard about this. What made it real for me was learning that this is not a new product. The Rockefeller family has been doing this for over a century. We are just finally talking about it openly."
⚡ Key Principles for Any Objection
  • Never argue. Acknowledge what they said first and then redirect the conversation.
  • An objection almost always means they are interested but have an unanswered question.
  • Ask a follow up question after every objection. Do not just answer and move on.
  • Silence after your response is completely fine. Let what you said land before you speak again.
  • If you do not know the answer tell them so and let them know you will find out. Never guess.
✕ What NOT to Say
  • Do not say "but" after acknowledging what they said. Use "and" instead.
  • Do not get defensive about the product. Let the numbers do the talking.
  • Do not try to overcome every objection in one breath. Pick the most important angle and go deep on that.
  • Do not say "trust me." Show them instead.
✓ Confidence Check
  • What do you say when someone tells you they need to think about it?
  • How is this product different from the life insurance most people already have?
  • What is the one thing you always do after answering any objection?

The Stover Group

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The Stover Group
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Plan A · Stipulated PUA
/month · /year

Day-one coverage

Total paid · 30 yrs

Loan rate

5.21%

Plan B · Max Funded PUA
/month · /year

Day-one coverage

Total paid · 30 yrs

Vault multiplier

Before we look at the numbers, let’s talk about what this really means for your family
Most people spend 40 years working for their money.
This is how your money starts working for you.
What if the next emergency didn’t drain your savings? What if that money was still there, still growing, ready to use again the very next day?
What if you could buy a car, fund a business, or close on a property without a bank application, without a credit check, and without asking anyone for permission?
What if the plan most people follow, the 401K, the market, the wait until you are 65, was actually built to benefit someone else and not you?
What if your family didn’t just inherit money when you are gone, but a living system that keeps growing and working for them long after you are gone?
What if one dollar could take care of today and build your legacy at the exact same time?

For years banks have been using your deposits to grow their wealth.

With this system you become your own bank and everything changes.

Your money never stops working for you even when you use it. You control it. You use it. You grow it. All at the same time.

The system is already built. The only question is when you start.

The last check is written and the Reduced Paid-Up policy grows on its own — powered purely by interest and dividends — for decades. No more premiums. Ever.

Why the death benefit may dip slightly after year 30: This policy includes a 30-year term rider that adds significant coverage on top of the base whole life. At year 30, when premiums stop and the policy converts to Reduced Paid-Up, the term rider expires — that coverage falls off. The whole life base continues growing via interest and dividends and will exceed the original combined benefit over time. The vault (cash value) is unaffected and keeps compounding uninterrupted.

There is no obligation until you review the final offer and decide to accept it. Here is exactly what happens next.

1
Connect with your Wealth Strategist
We schedule time to answer any remaining questions and walk through your numbers together.
2
Review your personalized illustration
We run the exact illustration for your age and contribution level so you see your real numbers.
3
Complete a short health questionnaire
This determines your rate class. Most healthy applicants qualify for standard or better.
4
Accept your offer and fund the policy
Your policy is issued. Your vault opens. Your protection starts immediately.
5
Meet with an estate planning attorney
Structure the trust, ownership, and beneficiary designations so your wealth transfers exactly as intended.

Step 5 is where the Rockefeller strategy becomes complete. The policy builds the vault. The estate plan protects it and directs it. Together they create a system your family can use for generations.

The Stover Group works directly with Attorney Romondous Stover and other estate planning specialists to help you structure the trust, ownership, and beneficiary designations. Let us know if you’d like to have a conversation with them.

Before we close today — there are two ways people in this community grow their vault faster. Both create income. And that income goes directly into overfunding the PUA rider, building cash value faster from day one. The more you earn and add, the bigger the vault becomes.

Path 1
Community Ambassador
No License Needed
Share what you learned today. Connect people to the conversation. When someone you refer moves forward, you earn. No selling. Just sharing the truth about what you discovered.
Every referral check is a chance to overfund your PUA rider.
Put your earnings to work. Let your vault grow faster.
Path 2
Wealth Strategist
Licensed Agent
Build your own business helping families put the Rockefeller Waterfall Method to work. Recurring commissions. Residual income. A mission worth showing up for.
Use your commission income to max out your own PUA rider every year.
The business funds the vault. The vault funds the legacy.

The people who build the biggest vaults are the ones who also spread the word.
Your income from this community is not separate from your policy. It is the fuel for it.

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